What Is Uninsured Motorist Coverage?

Uninsured motorist insurance coverage (UMC) pays for your and your passengers’ injuries and damages when you are hit by a driver with no insurance. When you are hit by a driver who doesn’t have sufficient insurance to pay for all your and your passengers’ injuries and damages, underinsured motorist coverage comes into play to pay…

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How Auto Insurance Accident Forgiveness Work

Car insurance accident forgiveness is a provision offered by many insurers to mitigate the impact of the first at-fault accident on premiums. While maintaining a clean driving record for several years can help keep rates stable, a single at-fault accident can cause up to 42% premium increase. To address this issue, insurers often provide accident…

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How Much Does Insurance Pay for a Totaled Car?

Dealing with a totaled car can be a challenging experience, but understanding how insurance companies determine the payout can help you navigate the process more effectively. It’s important to keep in mind that you have the opportunity to conduct your own research, perform calculations, and present your input to the claim adjuster. Below, how auto…

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Reasons for Being Refused Auto Insurance

Car insurance is a legal requirement to drive virtually everywhere in the US and yet there are some reasons that can make a driver or a vehicle uninsurable. This is usually due to personal details, non-standard nature of the application, a riskier vehicle and a combination of factors like a bad driver with a sports…

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Is the Car Owner or Driver Liable for an Accident?

Drivers are legally liable to compensate for damages and injuries they cause to others when they are at-fault in an accident. But often the owner’s car insurance ends up paying for the damages because owners are responsible for insuring the automobile in question. However, normally owners’ role is limited to their liability coverage. Any damages…

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Can I Keep a Totaled Car and Get It Repaired?

When buying your car back from insurance after it has been salvaged, the process typically involves several steps. First, you’ll need to reach out to your insurance company and express your interest in buying back your totaled vehicle. They will provide you with the necessary paperwork, such as a salvage title application, which you’ll need…

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Does Auto Insurance Cover Snow and Ice Damage?

Motorists need to have full coverage car insurance if they want to be protected from weather related damages in all seasons including winter. State required Liability policies only compensate for injuries and damages insured vehicles cause to other people and doesn’t include any physical damage provision for own auto. However, Comprehensive coverage together with Collision…

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Common Lies on Auto Insurance Applications

It is unfortunately not uncommon for some policyholders to provide false information on their car insurance applications. This can lead to serious consequences such as claim denials, policy cancellations, or even prosecution for insurance fraud. Let’s explore some of the common lies policyholders may tell on their vehicle insurance applications and the potential repercussions they…

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Vanishing Deductibles Auto Insurance Policies

Motorists may be able to arrange policies with disappearing deductibles through a few companies. In such cases, there are set amounts for each coverage component at the start but they start going down for every year (or six-month term) if there are no accidents or traffic violations. It is a way of rewarding policyholders and people…

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How Does Auto Insurance Cover Hit-and-Runs?

If someone causes an accident and flees the scene, motorists have to rely on their own vehicle insurance policies, providing they have coverage for hit and run accidents. Uninsured Motorist Bodily Injury, Personal Injury Protection or Medical Payments coverages can pay for your and your passengers’ injuries and Uninsured Motorist Property Damage or Collision coverages…

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How Long Do Car Insurance Claims Take to Settle?

Many companies settle small auto insurance claims automatically with minimum fuss and they send the check within days, after the policyholder submits the required estimates and details. But they investigate the larger claims to determine fault and check if there is coverage for the damages and injuries. Most states require vehicle insurers to investigate claims…

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